I figure the odds are low unless you are the tallest thing around (or are standing underneath it). I can understand how it happens to golfers, out in the open with a metal rod in their hands, and I likely would seek shelter if I were biking along open land, but my main concern is visibility: my own and any vehicles that might pass me. I have no desire to ride in downpour, and would likely seek shelter as long as I thought it would pass soon. Same with lightning, unless I'm on the plains, in a field, etc., I'm unlikely to freak out about it.

Last week I was biking through Ohio. I knew all day that I'd be racing the storms to camp, and I just got set up, and was starting to eat when the rain started. Spent the next several hours in my hammock listening to the pouring rain, the thunder, and watching the lightning light up my tarp. I suppose the smartest thing would have been to take shelter in the bath house, but I really thought the odds of a lightning strike were pretty remote. The campground was on the edge of a lake, and was therefore at a slightly lower elevation than the surrounding land. My trees were not especially tall. Maybe I was wrong to tough it out, but I thought the odds of a lightning strike were considerably small even with the storm overhead. There seemed like there had to be a lot better targets than me: Taller trees, motor homes, bigger structures. Still, I did not sleep well, if at all, until the storms passed around 2am, and my weather app, which also tells me the nearest lightning strike, did not share my opinion that there was unlikely to be a strike in my immediate vicinity, but then I don't know how it makes those measurements. If there was a strike as close as it said, it seems like I would have noticed something.